we don't have that kind of claims in our country.
the guy would asked $2500 from the insurance company.
they will send an "expert" to examine the car.
if this expert will find some scratches or chippings yhen he will tell you that you only get 70% of the $2500,- "due to the condition of the car"......if...... you let it repair at a preferred company.
if you don't repair or do it yourself, you get even less......